Credit Analyst

As a Credit Analyst, you will be responsible for performing financial risk assessments and making decisions regarding setting credit limits, releasing deliveries, and resolving escalated collection issues. You will also be responsible for establishing and maintaining strong internal and external working relationships and providing exceptional customer service. Additional responsibilities include performing, monitoring, and reporting activities on customer accounts, negotiating agreements, and completing projects as assigned.

**Responsibilities and Tasks**
- Perform, Monitor, and Report Activities
- Maximize sales while minimizing credit losses
- Ensure an accurate assessment of credit risk and set appropriate sized credit limits, risk categories, and next review dates, taking all risk factors into account and maximizing efficiency of order management
- Produce professionally written and error free credit risk analyses
- Execute proper documentation regarding credit limit approvals, risk categories, and next review dates in SAP - double-checking data entries against approved analyses
- Validate purchase orders and address information for new customers and discuss with Sales if there are any indications an order may be fraudulent
- Complete timely processing of new credit limit requests and account reviews (accounts will be reviewed within 30 days of the next review date)
- Maintain awareness of economic conditions and trends in the memory industry and general economy, as well as trends and best practices in the credit profession
- Ensure policies associated with any bad debt losses contain no errors
- Make timely delivery release decisions while using good judgment and proper documentation:

- Prioritize delivery releases with other tasks to minimize wait times for other departments and minimize the risk of shipping cut-off times being missed
- Hold deliveries or block accounts as appropriate for past due invoices, communicating with Sales to ensure awareness
- Approach delivery release decisions with the objective of releasing the deliveries by resolving any hold issues
- Follow set standards for proper documentation regarding overline approvals on customer accounts
- Resolve collection issues through proactive aging reviews and monitoring of accounts:

- Collaborate with collectors, take ownership of escalated collection issues and leverage relationships with Sales and customers to resolve the root causes of slow payments or potential bad debt losses
- Notify C and C and Sales management of serious account issues
- Document customer payment commitments and other account actions within SAP Collections or Dispute Management modules
- Review or negotiate customer agreements:

- Provide compelling arguments supporting recommended changes, and stand firm on important issues
- Seek agreement on recommendations from Regional Credit Manager (RCM)
- Complete projects on time, with accuracy and professional quality:

- Develop presentation skills to present work with professionalism and convey thoughts in an organized and compelling manner
- Perform defensible data and process analyses with logical and meaningful conclusions
- Perform reporting activities in a timely and accurate manner with meaningful interpretive analyses:

- Provide clear instructions and ensure they are available for all orders on the report (i.e., payment and other information that may be helpful to another C and C team)
- Complete Hold/Watch reports every week
- Report doubtful accounts and process write-offs according to policies and procedures
- Comply with department policies and procedures and recommend improvements to processes, policies, and procedures
- Maintain a high level of accuracy and attention to detail in all tasks
- Develop relationships, confidence, and level of influence
- Complete all required training and certifications
- Promote Teamwork and Communication
- Provide backup and assist others with workload when necessary
- Support department, Finance, and company goals and key performance indicators
- Act as a mentee to develop advanced skills
- Provide exceptional customer service:

- Establish and maintain cooperative and productive work relationships, seeking win-win solutions with internal and external customers
- Perform periodic business reviews at appropriate intervals based on portfolio composition
- Maintain a professional demeanor in all circumstances
- Communicate clearly and thoroughly with internal and external customers:

- Communicate account issues early to management, Sales, members of the C and C team, or other stakeholders
- Follow up on outstanding issues as needed without being requested for updates

**Education Required**
- Diploma / Degree in Finance, Accounting, Economics, Business IT, Business Administration/Management or equivalent, preferably with experience of Financial analysis, Trade credit assessment, ability to read financial report in Chinese and SAP credit and AR module.
- Experience Require